{
  "legislationId": "119_HR_8075",
  "lastUpdate": "2026-04-15T11:36:14.048Z",
  "history": [
    {
      "timestamp": "2026-04-15T11:36:14.048Z",
      "source_url": "https://www.congress.gov/119/bills/hr8075/BILLS-119hr8075ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8075 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8075 To authorize the Secretary of the Treasury to direct the Federal Deposit Insurance Corporation and the National Credit Union Administration to establish emergency transaction account guarantee programs, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Barr introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To authorize the Secretary of the Treasury to direct the Federal Deposit Insurance Corporation and the National Credit Union Administration to establish emergency transaction account guarantee programs, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. EMERGENCY TAG PROGRAM AUTHORITY. (a) Insured Depository Institutions.--Section 13 of the Federal Deposit Insurance Act (12 U.S.C. 1823) is amended by adding at the end the following: ``(l) Emergency TAG Program Authority.-- ``(1) In general.--After a determination by the Secretary of the Treasury under paragraph (2), and subject to the limits in paragraph (3), the Board of Directors may establish an emergency transaction account guarantee program under which the Corporation fully insures the deposits of all insured depository institutions that are maintained in non-interest- bearing transaction accounts. ``(2) Banking stress event determination.--The Board of Directors may establish a program under paragraph (1) only if-- ``(A) the Secretary of the Treasury, in consultation with the President, determines that-- ``(i) a banking stress event exists that presents serious adverse effects on economic conditions or the stability of the banking system; and ``(ii) use of the program authorized under this subsection would avoid or mitigate such adverse effects; and ``(B) the Secretary of the Treasury gives immediate notice of such determination to the Board of Directors and the Board of Governors of the Federal Reserve System. ``(3) Program limitations.-- ``(A) Limitation on size.-- ``(i) In general.--Before the Corporation insures any deposits pursuant to a program established under paragraph (1), the Secretary of the Treasury shall, in consultation with the President, determine the maximum amount of costs that the Deposit Insurance Fund may incur under the program. ``(ii) Increase.--Notwithstanding clause (i), the maximum amount of costs for a program established under paragraph (1) may be increased, if-- ``(I) such increase is approved in the same manner as a program established under paragraph (1); and ``(II) the Secretary of the Treasury issues a report to the Congress containing data and analysis justifying the increase. ``(B) Limitation on duration.-- ``(i) In general.--The Corporation shall terminate each program established under paragraph (1) no later than the date that is 6 months after the date of commencement of the program. ``(ii) Extension.--Notwithstanding clause (i), the termination date for a program established under paragraph (1) may be extended one time for an additional 3-month period, if-- ``(I) such extension is approved in the same manner as a program established under paragraph (1); and ``(II) the Secretary of the Treasury issues a report to the Congress containing data and analysis justifying the extension. ``(4) Testimony to congress.--Not later than 30 days after a program is established under paragraph (1), the Secretary of the Treasury shall testify before the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate with respect to the program. ``(5) GAO review.--Not later than 90 days after the termination of a program established under paragraph (1), the Comptroller General of the United States shall review the program and issue a report to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate containing all findings and determinations made in carrying out such review. ``(6) Repayment of loss.-- ``(A) In general.--The Corporation shall recover any loss to the Deposit Insurance Fund arising from any program established under paragraph (1) from 1 or more special assessments on insured depository institutions, depository institution holding companies (except that a special assessment on a depository institution holding company shall require the concurrence of the Secretary of the Treasury), or both, as the Corporation determines to be appropriate. ``(B) Rule of application.--For purposes of this paragraph, sections 7(c)(2) and 18(h) shall apply to depository institution holding companies as if they were insured depository institutions. ``(7) Rulemaking.--The Corporation may issue such rules as the Corporation determines to be appropriate to carry out the provisions of this subsection. ``(8) Definitions.--In this subsection: ``(A) Banking stress event.--The term `banking stress event' means an exceptional and broad reduction in the stability of deposits at insured depository institutions. ``(B) Non-interest-bearing transaction account.-- The term `non-interest-bearing transaction account' means a transaction account that-- ``(i) is non-interest-bearing; or ``(ii) pays a de minimis amount of interest, as established by the Corporation. ``(C) Transaction account.--The term `transaction account' means a deposit or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third-party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured depository institution that the Corporation may determine consistent with this definition.''. (b) Insured Credit Unions.--Section 207(k) of the Federal Credit Union Act (12 U.S.C. 1787(k)) is amended by adding at the end the following: ``(7) Emergency tag program authority.-- ``(A) In general.--After a determination by the Secretary of the Treasury under subparagraph (B), and subject to the limits in subparagraph (C), the Board may establish an emergency transaction account guarantee program under which the Administration fully insures the deposits and shares of all insured credit unions that are maintained in non-interest-bearing transaction accounts. ``(B) Credit union stress event determination.--The Board may establish a program under subparagraph (A) only if-- ``(i) the Secretary of the Treasury, in consultation with the President, determines that-- ``(I) a credit union stress event exists that presents serious adverse effects on economic conditions or the stability of the credit union system; and ``(II) use of the program authorized under this subsection would avoid or mitigate such adverse effects; and ``(ii) the Secretary of the Treasury gives immediate notice of such determination to the Board and the Board of Governors of the Federal Reserve System. ``(C) Program limitations.-- ``(i) Limitation on size.-- ``(I) In general.--Before the Board insures any deposits or shares pursuant to a program established under subparagraph (A), the Secretary of the Treasury shall, in consultation with the President, determine the maximum amount of costs that the National Credit Union Share Insurance Fund may incur under the program. ``(II) Increase.--Notwithstanding subclause (I), the maximum amount of costs for a program established under subparagraph (A) may be increased, if-- ``(aa) such increase is approved in the same manner as a program established under subparagraph (A); and ``(bb) the Secretary of the Treasury issues a report to the Congress containing data and analysis justifying the increase. ``(ii) Limitation on duration.-- ``(I) In general.--The Board shall terminate each program the Board establishes under subparagraph (A) no later than the date that is 6 months after the date of commencement of the program. ``(II) Extension.--Notwithstanding subclause (I), the termination date for a program established under subparagraph (A) may be extended one time for an additional 3-month period, if-- ``(aa) such extension is approved in the same manner as a program established under subparagraph (A); and ``(bb) the Secretary of the Treasury issues a report to the Congress containing data and analysis justifying the extension. ``(D) Testimony to congress.--Not later than 30 days after a program is established under subparagraph (A), the Secretary of the Treasury shall testify before the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate with respect to the program. ``(E) GAO review.--Not later than 90 days after the termination of a program established under subparagraph (A), the Comptroller General of the United States shall review the program and issue a report to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate containing all findings and determinations made in carrying out such review. ``(F) Repayment of loss.--The Board shall recover any loss to the National Credit Union Share Insurance Fund arising from any program established under subparagraph (A) from 1 or more special assessments on insured credit unions. ``(G) Rulemaking.--The Board may issue such rules as the Board determines to be appropriate to carry out the provisions of this subsection. ``(H) Definitions.--In this paragraph: ``(i) Credit union stress event.--The term `credit union stress event' means an exceptional and broad reduction in the stability of shares and deposits at insured credit unions. ``(ii) Non-interest-bearing transaction account.--The term `non-interest-bearing transaction account' means a transaction account that-- ``(I) does not pay a dividend; or ``(II) pays a de minimis dividend, as established by the Board. ``(iii) Transaction account.--The term `transaction account' means a deposit, share, or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third- party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured credit union that the Board may determine consistent with this definition.''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Full Protection for Bank Accounts During Financial Crises\nSummary: This bill allows the government to fully insure money in non-interest-bearing checking accounts during financial emergencies. It aims to keep your money safe and prevent bank runs if the financial system becomes unstable.\nKey Points: Full insurance for non-interest-bearing transaction accounts during periods of banking stress., The Treasury Secretary can activate the program to maintain economic and banking stability., The protection program is temporary, lasting up to 6 months with a possible 3-month extension., Any costs incurred will be repaid by banks and credit unions through special assessments.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-15T11:19:28.309Z",
      "source_url": "https://www.congress.gov/119/bills/hr8075/BILLS-119hr8075ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8075 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8075 To authorize the Secretary of the Treasury to direct the Federal Deposit Insurance Corporation and the National Credit Union Administration to establish emergency transaction account guarantee programs, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Barr introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To authorize the Secretary of the Treasury to direct the Federal Deposit Insurance Corporation and the National Credit Union Administration to establish emergency transaction account guarantee programs, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. EMERGENCY TAG PROGRAM AUTHORITY. (a) Insured Depository Institutions.--Section 13 of the Federal Deposit Insurance Act (12 U.S.C. 1823) is amended by adding at the end the following: ``(l) Emergency TAG Program Authority.-- ``(1) In general.--After a determination by the Secretary of the Treasury under paragraph (2), and subject to the limits in paragraph (3), the Board of Directors may establish an emergency transaction account guarantee program under which the Corporation fully insures the deposits of all insured depository institutions that are maintained in non-interest- bearing transaction accounts. ``(2) Banking stress event determination.--The Board of Directors may establish a program under paragraph (1) only if-- ``(A) the Secretary of the Treasury, in consultation with the President, determines that-- ``(i) a banking stress event exists that presents serious adverse effects on economic conditions or the stability of the banking system; and ``(ii) use of the program authorized under this subsection would avoid or mitigate such adverse effects; and ``(B) the Secretary of the Treasury gives immediate notice of such determination to the Board of Directors and the Board of Governors of the Federal Reserve System. ``(3) Program limitations.-- ``(A) Limitation on size.-- ``(i) In general.--Before the Corporation insures any deposits pursuant to a program established under paragraph (1), the Secretary of the Treasury shall, in consultation with the President, determine the maximum amount of costs that the Deposit Insurance Fund may incur under the program. ``(ii) Increase.--Notwithstanding clause (i), the maximum amount of costs for a program established under paragraph (1) may be increased, if-- ``(I) such increase is approved in the same manner as a program established under paragraph (1); and ``(II) the Secretary of the Treasury issues a report to the Congress containing data and analysis justifying the increase. ``(B) Limitation on duration.-- ``(i) In general.--The Corporation shall terminate each program established under paragraph (1) no later than the date that is 6 months after the date of commencement of the program. ``(ii) Extension.--Notwithstanding clause (i), the termination date for a program established under paragraph (1) may be extended one time for an additional 3-month period, if-- ``(I) such extension is approved in the same manner as a program established under paragraph (1); and ``(II) the Secretary of the Treasury issues a report to the Congress containing data and analysis justifying the extension. ``(4) Testimony to congress.--Not later than 30 days after a program is established under paragraph (1), the Secretary of the Treasury shall testify before the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate with respect to the program. ``(5) GAO review.--Not later than 90 days after the termination of a program established under paragraph (1), the Comptroller General of the United States shall review the program and issue a report to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate containing all findings and determinations made in carrying out such review. ``(6) Repayment of loss.-- ``(A) In general.--The Corporation shall recover any loss to the Deposit Insurance Fund arising from any program established under paragraph (1) from 1 or more special assessments on insured depository institutions, depository institution holding companies (except that a special assessment on a depository institution holding company shall require the concurrence of the Secretary of the Treasury), or both, as the Corporation determines to be appropriate. ``(B) Rule of application.--For purposes of this paragraph, sections 7(c)(2) and 18(h) shall apply to depository institution holding companies as if they were insured depository institutions. ``(7) Rulemaking.--The Corporation may issue such rules as the Corporation determines to be appropriate to carry out the provisions of this subsection. ``(8) Definitions.--In this subsection: ``(A) Banking stress event.--The term `banking stress event' means an exceptional and broad reduction in the stability of deposits at insured depository institutions. ``(B) Non-interest-bearing transaction account.-- The term `non-interest-bearing transaction account' means a transaction account that-- ``(i) is non-interest-bearing; or ``(ii) pays a de minimis amount of interest, as established by the Corporation. ``(C) Transaction account.--The term `transaction account' means a deposit or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third-party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured depository institution that the Corporation may determine consistent with this definition.''. (b) Insured Credit Unions.--Section 207(k) of the Federal Credit Union Act (12 U.S.C. 1787(k)) is amended by adding at the end the following: ``(7) Emergency tag program authority.-- ``(A) In general.--After a determination by the Secretary of the Treasury under subparagraph (B), and subject to the limits in subparagraph (C), the Board may establish an emergency transaction account guarantee program under which the Administration fully insures the deposits and shares of all insured credit unions that are maintained in non-interest-bearing transaction accounts. ``(B) Credit union stress event determination.--The Board may establish a program under subparagraph (A) only if-- ``(i) the Secretary of the Treasury, in consultation with the President, determines that-- ``(I) a credit union stress event exists that presents serious adverse effects on economic conditions or the stability of the credit union system; and ``(II) use of the program authorized under this subsection would avoid or mitigate such adverse effects; and ``(ii) the Secretary of the Treasury gives immediate notice of such determination to the Board and the Board of Governors of the Federal Reserve System. ``(C) Program limitations.-- ``(i) Limitation on size.-- ``(I) In general.--Before the Board insures any deposits or shares pursuant to a program established under subparagraph (A), the Secretary of the Treasury shall, in consultation with the President, determine the maximum amount of costs that the National Credit Union Share Insurance Fund may incur under the program. ``(II) Increase.--Notwithstanding subclause (I), the maximum amount of costs for a program established under subparagraph (A) may be increased, if-- ``(aa) such increase is approved in the same manner as a program established under subparagraph (A); and ``(bb) the Secretary of the Treasury issues a report to the Congress containing data and analysis justifying the increase. ``(ii) Limitation on duration.-- ``(I) In general.--The Board shall terminate each program the Board establishes under subparagraph (A) no later than the date that is 6 months after the date of commencement of the program. ``(II) Extension.--Notwithstanding subclause (I), the termination date for a program established under subparagraph (A) may be extended one time for an additional 3-month period, if-- ``(aa) such extension is approved in the same manner as a program established under subparagraph (A); and ``(bb) the Secretary of the Treasury issues a report to the Congress containing data and analysis justifying the extension. ``(D) Testimony to congress.--Not later than 30 days after a program is established under subparagraph (A), the Secretary of the Treasury shall testify before the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate with respect to the program. ``(E) GAO review.--Not later than 90 days after the termination of a program established under subparagraph (A), the Comptroller General of the United States shall review the program and issue a report to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate containing all findings and determinations made in carrying out such review. ``(F) Repayment of loss.--The Board shall recover any loss to the National Credit Union Share Insurance Fund arising from any program established under subparagraph (A) from 1 or more special assessments on insured credit unions. ``(G) Rulemaking.--The Board may issue such rules as the Board determines to be appropriate to carry out the provisions of this subsection. ``(H) Definitions.--In this paragraph: ``(i) Credit union stress event.--The term `credit union stress event' means an exceptional and broad reduction in the stability of shares and deposits at insured credit unions. ``(ii) Non-interest-bearing transaction account.--The term `non-interest-bearing transaction account' means a transaction account that-- ``(I) does not pay a dividend; or ``(II) pays a de minimis dividend, as established by the Board. ``(iii) Transaction account.--The term `transaction account' means a deposit, share, or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third- party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured credit union that the Board may determine consistent with this definition.''. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Pełna ochrona kont bankowych w sytuacjach kryzysu finansowego\",\n  \"pl_summary\": \"Ustawa pozwala rządowi na pełne ubezpieczenie pieniędzy na kontach bieżących w razie wystąpienia poważnego kryzysu finansowego. Dzięki temu Twoje środki na kontach nieoprocentowanych będą bezpieczne, nawet jeśli system bankowy wpadnie w kłopoty.\",\n  \"pl_key_points\": [\n    \"Wprowadzenie pełnej ochrony depozytów na kontach nieoprocentowanych w czasie kryzysu.\",\n    \"Możliwość uruchomienia programu ratunkowego przez Sekretarza Skarbu w sytuacjach zagrożenia stabilności banków.\",\n    \"Program ochrony jest tymczasowy i może trwać maksymalnie 6 miesięcy z opcją przedłużenia o 3 miesiące.\",\n    \"Koszty ochrony zostaną pokryte przez banki i unie kredytowe poprzez specjalne opłaty, a nie bezpośrednio z podatków.\"\n  ],\n  \"eng_ai_title\": \"Full Protection for Bank Accounts During Financial Crises\",\n  \"eng_summary\": \"This bill allows the government to fully insure money in non-interest-bearing checking accounts during financial emergencies. It aims to keep your money safe and prevent bank runs if the financial system becomes unstable.\",\n  \"eng_key_points\": [\n    \"Full insurance for non-interest-bearing transaction accounts during periods of banking stress.\",\n    \"The Treasury Secretary can activate the program to maintain economic and banking stability.\",\n    \"The protection program is temporary, lasting up to 6 months with a possible 3-month extension.\",\n    \"Any costs incurred will be repaid by banks and credit unions through special assessments.\"\n  ],\n  \"de_ai_title\": \"Voller Schutz für Bankkonten in Finanzkrisen\",\n  \"de_summary\": \"Dieses Gesetz ermöglicht es der Regierung, Gelder auf unverzinsten Girokonten in finanziellen Notfällen vollständig abzusichern. Dies schützt Ihre Ersparnisse und stabilisiert das Bankensystem bei Krisen.\",\n  \"de_key_points\": [\n    \"Vollständige Versicherung für unverzinste Transaktionskonten bei Bankenstress.\",\n    \"Der Finanzminister kann das Programm zur Sicherung der wirtschaftlichen Stabilität aktivieren.\",\n    \"Die Maßnahme ist auf 6 Monate begrenzt, mit einer einmaligen Verlängerungsmöglichkeit um 3 Monate.\",\n    \"Kosten werden durch Sonderumlagen der Banken und Kreditgenossenschaften gedeckt.\"\n  ],\n  \"fr_ai_title\": \"Protection totale des comptes bancaires en cas de crise financière\",\n  \"fr_summary\": \"Ce projet de loi permet au gouvernement de garantir totalement l'argent sur les comptes courants non rémunérés en cas d'urgence financière. Il vise à protéger vos fonds et à stabiliser le système bancaire en période de stress.\",\n  \"fr_key_points\": [\n    \"Assurance complète des dépôts sur les comptes de transaction non rémunérés en cas de crise.\",\n    \"Le Secrétaire au Trésor peut activer le programme pour éviter des effets économiques néfastes.\",\n    \"Le programme est temporaire : 6 mois maximum, prolongeable une fois de 3 mois.\",\n    \"Les coûts seront remboursés par les banques via des cotisations spéciales.\"\n  ],\n  \"es_ai_title\": \"Protección total de cuentas bancarias durante crisis financieras\",\n  \"es_summary\": \"Esta ley permite al gobierno asegurar totalmente el dinero en cuentas corrientes que no generan intereses durante emergencias financieras. El objetivo es proteger sus ahorros y mantener la estabilidad del sistema bancario.\",\n  \"es_key_points\": [\n    \"Seguro total para cuentas de transacciones sin intereses durante periodos de estrés bancario.\",\n    \"El Secretario del Tesoro puede activar el programa para mitigar riesgos económicos.\",\n    \"La duración es de máximo 6 meses, con una posible extensión única de 3 meses.\",\n    \"Los costos se recuperarán mediante cuotas especiales pagadas por los propios bancos.\"\n  ],\n  \"it_ai_title\": \"Protezione totale dei conti bancari durante le crisi finanziarie\",\n  \"it_summary\": \"Questa legge consente al governo di assicurare interamente il denaro nei conti correnti infruttiferi durante le emergenze finanziarie. Serve a proteggere i risparmi dei cittadini e a stabilizzare il sistema bancario in caso di necessità.\",\n  \"it_key_points\": [\n    \"Assicurazione completa per i conti transazionali non remunerati in caso di stress bancario.\",\n    \"Il Segretario al Tesoro può attivare il programma per prevenire danni all'economia.\",\n    \"Il programma ha una durata massima di 6 mesi, estendibile una sola volta di 3 mesi.\",\n    \"I costi saranno recuperati tramite contributi speciali a carico delle banche.\"\n  ],\n  \"nl_ai_title\": \"Volledige bescherming van bankrekeningen tijdens financiële crises\",\n  \"nl_summary\": \"Deze wet stelt de overheid in staat om geld op renteloze betaalrekeningen volledig te verzekeren tijdens financiële noodsituaties. Dit beschermt uw tegoeden en helpt het bankensysteem stabiel te houden bij onrust.\",\n  \"nl_key_points\": [\n    \"Volledige verzekering voor renteloze transactierekeningen tijdens bankencrises.\",\n    \"De Minister van Financiën kan het programma activeren om de economie te beschermen.\",\n    \"Het programma duurt maximaal 6 maanden, met een mogelijke verlenging van 3 maanden.\",\n    \"Kosten worden gedekt door speciale heffingen voor banken en kredietunies.\"\n  ],\n  \"pt_ai_title\": \"Proteção total de contas bancárias em crises financeiras\",\n  \"pt_summary\": \"Esta lei permite ao governo segurar totalmente o dinheiro em contas correntes que não rendem juros durante emergências financeiras. O objetivo é proteger os seus fundos e garantir a estabilidade do sistema bancário.\",\n  \"pt_key_points\": [\n    \"Seguro total para contas de transação sem juros durante períodos de instabilidade bancária.\",\n    \"O Secretário do Tesouro pode ativar o programa para evitar danos à economia.\",\n    \"O programa é temporário, com duração de 6 meses e uma possível extensão de 3 meses.\",\n    \"Os custos serão recuperados através de taxas especiais pagas pelos bancos.\"\n  ],\n  \"category\": [\n    \"Economy\"\n  ]\n}"
    }
  ]
}